Eliminating cashflow problems for small businesses

Finiata provides access to liquidity and insights into cashflow for small businesses in Europe so they can focus on what matters

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How are we doing it?

We utilize AI to build the financial services SME's need and deserve

Finiata provides flexible financing to small companies and freelancers through a line of financing and factoring. We believe strongly in the scientific method, listening to customers, solving real problems, and doing the unscalable to find the scalable.

Customer Experience

SME & freelancer banking is out of date, we are here to start overhauling it. Smooth UX & satisfied customers are key. Generating real value by solving real problems is the way forward.

Consumerization

Augmentation & Automation are the heralds
of a new wave of value creation. Consumerization is here including all of its expectations of speed, simplicity, being fair.

Finiata products

Easiest, Simplest & Fastest
credit solutions for companies

Immediate payout for the open invoices

Finiata Factoring allows freelancers and SME’s to get paid for their open invoices today instead of waiting 14-90 days for their money

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A flexible credit line with a guaranteed limit

Finiata FlexKapitał allow freelancers and SME’s to receive a flexible credit line for a fixed low monthly fee to grow their company smartly

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38,000+ business owners across 2 countries use Finiata

Up to €25,000

At your company’s disposal after accepting your application

38,000+

business owners use Finiata
across Poland and Germany

4.7 / 5

based on more than 260 real user
reviews on opineo.pl

Press and reviews

What they say about us

Finiata, Berlin-based fintech, has entered the Polish market with a flourish in 2017. The company offered entrepreneurs silent factoring with recourse, which can be obtained in an automated online process. Currently, it changes the concept a bit and adds a new one - a flexible credit line. "This is a step in the right direction" - experts say.
Finiata is a great solution for companies, especially when contractors are late with payments or long invoice payment periods. Service and contact at the highest level, money transferred to the account instantly!
Finiata provides the most flexible factoring and credit line for SMEs in Poland. Finiata is a combination of traditional financial services and modern technologies.
To meet the expectations of entrepreneurs in Europe, Finiata offers a service of silent factoring and a flexible credit line, that ideally suits the needs of SMEs. Finiata belongs to the group of companies from the financial industry that provides known services in an innovative and customer-friendly way.

Work with us

Join a diverse team from all across the world

Finiata are 60+ team members from 15+ internationalities working together towards 1 goal. We believe in personal development and providing a work environment that sets people up for success. There is tons of opportunity and challenging problems to work on with real ownership and support.

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Management team

Experienced & data driven

Jan Enno Einfeld

Chief Executive Officer who is a digital banking transformation expert and has more than fifteen years of experience in banking, consulting and FinTech. He is a former member of comdirect bank’s management board and part of their corporate accelerator “Start-Up Garage”.

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Ingmar Stupp

Chief Product Officer, Ingmar was part of Finiata's founding team looking back onto 10+ years of experience in Web Engineering and Product Design from working with BMW, Bosch as well as co-founding a Moscow-based online snack retailer.

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Finiata CFO Christoph Nicola
Finiata CFO Christoph Nicola

Christoph Nicola

Chief Financial Officer with strong financial expertise backed by 12+ years of experience in the fields of Corporate Finance/ M&A, capital raise processes and finance leadership in the start-up and fintech environment.

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They believe in us

Backed by top tier investors

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